Broke Millennial: Stop Scraping By and Get Your Financial Life Together

Product Description

WASHINGTON POST “COLOR OF MONEY” BOOK CLUB PICK


Stop Living Paycheck to Paycheck and Get Your Financial Life Together (#GYFLT)!
 
If you’re a cash-strapped 20- or 30-something, it’s easy to get freaked out by finances. But you’re not doomed to spend your life drowning in debt or mystified by money. It’s time to stop scraping by and take control of your money and your life with this savvy and smart guide.

Broke Millennial shows step-by-step how to go from flat-broke to financial badass. Unlike most personal finance books out there, it doesn’t just cover boring stuff like credit card debt, investing, and dealing with the dreaded “B” word (budgeting). Financial expert Erin Lowry goes beyond the basics to tackle tricky money matters and situations most of us face #IRL, including:
 
- Understanding your relationship with moolah: do you treat it like a Tinder date or marriage material?
- Managing student loans without having a full-on panic attack
- What to do when you’re out with your crew and can’t afford to split the bill evenly
- How to get “financially naked” with your partner and find out his or her “number” (debt number, of course)  . . . and much more.
 
Packed with refreshingly simple advice and hilarious true stories, Broke Millennial is the essential roadmap every financially clueless millennial needs to become a money master. So what are you waiting for? Let’s #GYFLT!

Top Reviews

Great Book For Learning The Basics of All Things Personal Finance
by Nick True (5 out of 5 stars)
May 13, 2017

This book is a top notch intro to personal finance. If you're a young(ish) person, I want to start getting control of your money this book is for you. The book has a hefty focus on the mental aspect of finances, which I personally think is the most important. So I really appreciated that.

But here's a quick overview of what you can expect.

It covers
- The mindset and mental blocks you may have around money (based on how you grew up)
- How to overcome bad financial mindsets and how to create a good financial mindset
- Different situations you might be in and how to handle them (allows different people to relate in different ways)
- Ideal benchmarks for you to hit in order to be "on track" with your money at certain ages
- Different financial products (investment accounts, bank accounts, credit cards) and how to look for the best ones
- Basics of investing and retirement planning
- Basics of buying a house vs renting
- Info about credit cards and credit reports

Basically, this book covers all things personal finance in a really approachable and digestible way. I've been studying finance for years, and rarely come across something this comprehensive that still holds my attention. There's a good balance of storytelling and practical advice.

It's not an investment book or advanced level retirement planning guide or hardcore tax strategy book. It's a solid book on how to go from not knowing much about your money to totally killing it. It would be comparable to Ramit Sethi's I Will Teach You To Be Rich, if you like that book, you'll love this one too.

Highly recommend.
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Great for Beginners Despite Pandering Rhetoric
by Lindsey Thomas (3 out of 5 stars)
January 19, 2018

This book has some great tips for young adults with no clue how to manage finances. The first 8 chapters deal with some pretty basic concepts. However, if you have the basics down, there is very little new information in here. Additionally, the way the book was written is a little pandering-- we get it, Millenials like brunch. As a Millenial, I found that it was a little too kitschy and basic. That said, it does contain sound financial advice, and I did learn some new information from the two chapters on investment and retirement.
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Helped Me Find Financial Stability In My Late-Twenties
by MCHan (5 out of 5 stars)
April 10, 2018

I highly recommend this book to any financially struggling twenty-something. I'm in my late 20's and have never quite found my footing financially - it always seemed like it was one thing after another whenever I tried to start saving money. After reading this book, I made some major changes and finally feel like I can breathe and like I can afford my car payment, groceries, and fun dinners out with friends and family (I no longer have to pretend like I'm more anti-social than I actually am). I still have a lot of work to do, but I truly appreciated the way this book laid everything out. It was easy to understand with good references to being a millennial. I appreciated when the author laid out the best way to do something, but recognized that as a millennial, we'd probably rather do it a different way - she encourages you to go about solving and saving the way that you'll succeed best at it. I learned a lot about myself through reading this book and feel like financial goals are finally in my horizon.
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Book pays for itself
by ssellis (5 out of 5 stars)
May 16, 2017

I knew that pre ordering this book would be a wise investment and Broke Millennial has not failed me. About 1/2 way through the book and have already implemented some lifestyle changes to create a more sustainable financial future for my family and I. Really looking forward to this author's next book because I know she'll write relevant and interesting information.
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Not as good as I'd hoped...
by Mike Thomas (1 out of 5 stars)
May 12, 2018

Unfortunately, I do not agree with the majority of reviews on here. I found Lowry's voice to be conceded and unappealing. She consistently tried to down play what she was saying by putting a joke in parentheses after a serious statement often making it seem as though she was doubting herself. Lowry is, from what she's written, phenomenal with money. For someone like me, who is not so great with money, I felt dumb for not doing what Lowry stated should have already been done. As a millennial, I find this to be an unnecessary expense.
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Loved this Book!!
by jw2010 (5 out of 5 stars)
July 18, 2017

I'm a nursing student going into my senior year of college. My first choice of books is definitely not a finance book. I know I needed to get my act together if I wanted to be successful with my money. I am completely blown away by this book. Erin Lowry is amazing. She truly knows how to connect with her audience (even the ones who don't have the first clue about finance). I talk about this book all the time and have incorporated so many of the things she talks about doing into my life. I am already starting to see the benefit of buying this book. I recommend to any age group but especially younger adults! Love it!
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BROKE MILLENNIAL WILL NOT LEAVE YOU BROKE!
by Amazon Customer (5 out of 5 stars)
May 2, 2017

Erin Lowry is an entertaining author whose appeal reaches across the generations. Parents will enjoy her references to the manner in which her parents helped her understand finances, siblings will side with her sister deserving a cut when selling donuts, and everyone else will love her practical ideas for saving and investing. Her ideas are interesting manageable, and ready to implement into one's financial planning! Well done!!!

Eileen Keenan Skrobacz
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Fantastic read!
by Sherif (5 out of 5 stars)
May 6, 2017

I've read my fair share of personal finance books but it wasn't until I picked this book up that I realized how very few of them are geared for folks in their early 20s, recent grads and young professionals.

Two things stand out. One, it couples sound financial knowledge with advice on how to reorient your attitude towards money in a more productive way, especially with partners and peers. Two, the advice on both debt and investing were extremely relevant to where I am financially.

An example of excellent framing: Erin suggests having a great credit score as financial insurance to give you access to the best credit products if you find yourself in a financial bind which you intuit, but reframed my relationship and understanding of debt and my own credit score.

Can't recommend this enough!
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I rate this book a strong 90.
by J. Zavala (5 out of 5 stars)
August 12, 2017

First of all, I just wanted to take a moment to appreciate that this was written by a fellow Millennial and not someone constantly bashing us for a myriad of reasons. I hear it constantly, especially in my career field, so this book felt like a breath of fresh air. I also enjoyed the judgment free aspect of this book. I don't feel I've been especially Money wise up to the point, and this book can serve as a guide I can pick up now and again in the future. This book clicked with me in a way others haven't. The moment that most got my attention arrived early in the book that discussed how much you should have saved for retirement by age 35. It's $100k. I don't have anywhere near that amount and 35 is coming up soon. That fact alone has made me COMPLETELY changed my mindset on money and I am definitely better off because of this book. Saving is definitely my new priority in life.
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Young, broke, and need a SIMPLE but amazing guide?? BUY THIS!!
by Adrian (5 out of 5 stars)
October 6, 2018

So much amazing and helpful information in this book!! It took me forever to find a book that felt like it was for me and I am so happy I found this one!! It keeps the information simple but VERY informative and touches on every single topic I was interested in learning about. I am a 31 year old mom/wife doing my best to clean up my credit and build a better life for my family and I truly feel this book is a great guide for me. (I looked at SEVERAL other books and they all overwhelmed me to the point I thought maybe I wasn't capable of doing much to help myself...) I almost gave up looking at books like this with the thought that I could get so much free information online. All the other books I looked through either had too much extra dialogue which added to the overwhelming feeling of too much information going into my brain or the way they explained how and why to do things just didn't fit well with my already overloaded mind. This was the last book I looked into before I was going to give up and it sparked so much interest and motivation in me I HAD to buy it.

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